As an overdraft option, we offer a HandiCash Line of Credit up to $500 for qualified members. The credit line is accessed when there are insufficient funds in your checking account. There is no overdraft activation fee, nor any recurring overdraft transfer fees. The rate is 14.5% APR*. Handicash will advance a line of credit in increments of $50. In other words, if you overdraft $30, you will be advanced $50. If you overdraft $75, you will be advanced $100.

For those who don't qualify for or don't wish to open a HandiCash Overdraft Line of Credit, ABCO FCU provides overdraft protection via its Privilege Pay program whereby checking account transactions are approved over-and-above the available balance.

The standard Courtesy Pay fee is $25.00 per item.

In order to take advantage of Privilege Pay, you must opt in for the service. Please contact Member Care at 1.800.225.1859 to enroll.

Note: Privilege Pay is offered at ABCO FCU's discretion. Depending on your account status and other factors, ABCO may or not extend you the service. It is not guaranteed.